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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location

Top CD rates

Showing 1–15 results in Helena, MT metro

  1. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 2 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  2. Southwest Montana Community Federal Credit UnionShare Certificates of DepositCD · 60 months · $500 min

    Credit union · 1 branch

    4.06%APY$2,202 over 60 months on $10,000intro rate
  3. Opportunity Bank of Montana13 Month CD SpecialCD · 13 months · $500 min

    Bank · 5 branches

    4.05%APY$439 over 13 months on $10,000intro rate
  4. Rocky Mountain Credit UnionTerm CertificateCD · 15 months · $1,000 min

    Credit union · 2 branches

    4.00%APY$502 over 15 months on $10,000
  5. Opportunity Bank of Montana5 Month CD SpecialCD · 5 months · $500 min

    Bank · 5 branches

    3.80%APY$157 over 5 months on $10,000
  6. Citizens Alliance BankCertificates of Deposit (CD) - SPECIAL RATESCD · 15 months · $500 min

    Bank · 1 branch

    3.75%APY$471 over 15 months on $10,000intro rate
  7. Intrepid Credit UnionShare CertificateCD · 48 months · $1,000 min

    Credit union · 3 branches

    3.70%APY$1,564 over 48 months on $10,000
  8. Vocal Credit UnionCertificates of DepositsCD · 36 months

    Credit union · 1 branch

    3.65%APY$1,135 over 36 months on $10,000
  9. Farmers State BankCertificates of DepositCD · 5 months · $1,000 min

    Bank · 1 branch

    3.64%APY$150 over 5 months on $10,000
  10. ChaseCertificate of DepositCD · 8 months · $1,000 min · 3.30%–3.80% by balance

    Bank · 1 branch

    3.30%APY$219 over 8 months on $10,000with conditions
  11. U.S. BankCD SpecialCD · 6 months · $1,000 min

    Bank · 1 branch

    3.25%APY$161 over 6 months on $10,000
  12. Rocky Mountain Credit UnionVault CertificateCD · 12 months · $1 min

    Credit union · 2 branches

    3.04%APY$304 over 1 year on $10,000
  13. Madison Valley BankCertificates of DepositCD · 7–8 months · $500 min

    Bank · 2 branches

    2.87%APY
  14. Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance

    Bank · 2 branches

    1.76%APYwith conditions
  15. U.S. BankTrade Up CDCD · 60 months · $1,000 min

    Bank · 1 branch

    0.40%APY$202 over 60 months on $10,000

Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank

What CDs pay in Helena, MT metro

177 CDs at 12 banks and credit unions · checked Oct 16–22

Typical
1.10%
Top 10% from
3.74%
Banks, typical
0.40%
Credit unions, typical
3.64%

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Montana

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Altana Federal Credit UnionCredit union · 11 branches
  2. Billings Federal Credit UnionCredit union · 4 branches
  3. Mountain America Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate